The top-rated long-term care insurance agent in Land O' Lakes, Florida is Florida Educators Insurance and GAC Wealth Management, rated 5.0 stars across 664 reviews. Other highly rated options include Oakes and Associates Insurance, A&B Insurance and Financial, Pablo Luna: Allstate Insurance. This directory lists 15 long-term care insurance agents serving Land O' Lakes.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Florida Educators Insurance and GAC Wealth Management | 2660 Stonewood Pk Lp | (813) 600-3268 |
| 2 | Oakes and Associates Insurance | 5492 Land O' Lakes Blvd | (813) 996-4111 |
| 3 | A&B Insurance and Financial | 20537 Amberfield Dr | (813) 288-9500 |
| 4 | Pablo Luna: Allstate Insurance | 6741 Land O' Lakes Blvd | (727) 347-7979 |
| 5 | Dieguez Insurance Enterprises Inc | 7904 Land O' Lakes Blvd | (813) 591-6161 |
| 6 | The Welch Group | 17221 Camelot Ct UNIT 101 | (727) 835-1500 |
| 7 | KEMPTON FINANCIAL GRP LLC | 5322 Land O' Lakes Blvd | (813) 995-2821 |
| 8 | Insurance Center Of Connerton | 6943 Land O' Lakes Blvd | (813) 388-6833 |
| 9 | Kevin Health Insurance Advisor | 16824 Moss Tree Loop | (727) 687-6026 |
| 10 | Centurion Insurance and Financial Services, Inc | 6737 Land O' Lakes Blvd Suite 102 | (888) 995-6019 |
Florida Educators Insurance and GAC Wealth Management serves the Tampa Bay area and surrounding counties from its base in Land O' Lakes, Florida. The company focuses on helping clients understand and secure long-term care insurance policies, which help cover the costs of assisted living, nursing home care, and in-home health services. As a specialized agent in this field, it addresses the financial risks associated with aging and chronic illness. It educates clients on policy options and assists with the application process for individual and group long-term care plans.
Oakes and Associates Insurance provides guidance on long-term care insurance options, helping clients in Land O’ Lakes plan for future care needs. Its service includes evaluating individual coverage needs for nursing home, assisted living, or home-based care, and maintaining policies through periodic reviews to adjust for changing circumstances. The agency helps safeguard assets and personal independence. It serves single-family homes, apartments, retail establishments, and restaurants.
A&B Insurance and Financial serves local retirees, pre-retirees, and families in Land O' Lakes, Florida who recognize the financial risks of extended care needs. The agency offers guidance on long-term care insurance policies, helping clients plan for in-home care, assisted living, or nursing facility costs without depleting personal savings. They explain benefit options such as daily benefit amounts and coverage periods, clarifying how these choices affect premiums. A&B Insurance and Financial also provides consultations for residents in Wesley Chapel and the broader Pasco County region.
Serving Land O’ Lakes, FL, and the surrounding Pasco County communities, this agency specializes in long-term care insurance planning. It helps clients prepare for potential future needs arising from aging, chronic illness, or disability. The agency focuses on explaining policy options that cover home care, assisted living, and nursing facility expenses. For a typical client, it begins with a comprehensive review of personal assets and health considerations to tailor a suitable policy that aligns with their retirement income and care preferences.
Dieguez Insurance Enterprises Inc specializes in helping clients navigate the complexities of long-term care insurance coverage in Land O' Lakes, FL. It provides guidance on policies that protect savings from the high costs of extended care, serving families planning for future needs. The agent works with individuals to assess potential risks and tailor basic coverage options. As Florida residents prepare for the demands of hurricane season, the agency helps ensure that policy limits are properly adjusted to cover potential relocation costs during emergencies.
Some clients seek a single policy quote, while others require ongoing portfolio reviews as needs change over time. The Welch Group in Land O' Lakes, FL, works with individuals to select long‑term care insurance coverage that addresses future care costs and asset protection. They help compare traditional policies and hybrid life‑long‑term care options. Service arrangements are flexible, with support available on a one‑time, scheduled, or as‑needed basis depending on each client's preference.
With Florida's unpredictable hurricane season reinforcing the need for careful future planning, many residents seek guidance on protecting assets through long-term care coverage. KEMPTON FINANCIAL GRP LLC, located in Land O' Lakes, assists local clients in navigating the complexities of insurance options. The agent reviews individual health histories and financial situations to recommend suitable policy structures that address potential care costs. Before any commitment, a detailed initial consultation is scheduled to assess current coverage gaps and evaluate personal preferences for care settings.
Insurance Center Of Connerton assists individuals and families in Land O' Lakes, FL with planning for future health care needs, specializing in arranging long-term care insurance coverage. The agency works with local residents seeking financial protection for extended care services. It understands the importance of safeguarding assets while securing access to nursing home, assisted living, or in-home support. Commercial clients including offices, warehouses, and food service businesses may also consult with the company about employee long-term care benefit options.
Kevin Health Insurance Advisor serves residents in Land O' Lakes, FL, helping them secure long-term care insurance policies for their homes and personal needs. The agency also extends commercial coverage options to local businesses in the broader Pasco County area, assisting with group or individual plans for care-related costs. An agent works directly with clients to compare policy benefits and premiums. After an initial policy is set, the office typically follows up before annual enrollment periods to review any changes in the client's situation or coverage requirements between regular visits.
Centurion Insurance and Financial Services, Inc is known for helping clients in Land O’ Lakes, Florida, prepare for the high costs of extended care. The agency assists individuals and families in evaluating their long‑term care needs, explaining coverage options, and selecting suitable policies from multiple carriers. It provides guidance on protecting assets while retaining independence during retirement years. Beyond standard long-term care plans, it can also arrange short‑term care policies for recovery periods.
What Does a a Long-Term Care Insurance Agent in Land O' Lakes Cost?
Long-term care insurance premiums in Florida vary by age health and benefit amount. For a 55 year old a policy with 165 daily benefit and 3 year term might cost 1500 to 3000 per year. A 65 year old might pay 2500 to 5000 per year for similar coverage. Costs also depend on inflation protection and elimination period. This is general information not insurance advice.
About long-term care insurance agents in Land O' Lakes
A long-term care insurance agent in Land O Lakes Florida helps you find a policy that covers nursing home care home health care and assisted living. Florida law offers the Long-Term Care Partnership Program which allows you to protect assets equal to the benefits you receive. Working with a local agent ensures you understand how these rules apply to your situation.
Frequently Asked Questions
What does a long-term care insurance agent in Land O Lakes do?
An agent helps you compare policies from different insurance companies. They explain coverage options benefit amounts and elimination periods. They also guide you on Florida Partnership policies which provide asset protection under state law.
How does the Florida Long-Term Care Partnership Program work?
The Partnership Program allows you to keep assets equal to the amount of benefits paid by your policy. For example if your policy pays 100000 in benefits you can protect 100000 in assets from Medicaid recovery. An agent can explain if this program fits your needs.
Are there time limits to buy long-term care insurance in Florida?
There is no state time limit but most insurers require you to apply before age 65 or while you are still healthy. Florida law gives you a 30 day free look period after purchase to cancel for a full refund. An agent can help you apply at the right time.
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